The Common Hackberry (Occidentalis) is easily found in nurseries, garden stores and other plant dealers and distributors. It can be propagated by bare root, container, cuttings, seed. It has a moderate ability to spread through seed production and the seedlings have medium vigor.
A charge-off or chargeoff is the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of six months without payment.
Delinquent credit card accounts are typically charged off an issuer's books once they are 180 days past due. Given how the amount you owe has skyrocketed, there's a good chance you've passed this window and your debt has entered or will soon be entering collections.